Because your first month is not a month's interest. For example, the bank lends you a loan on July 2, and the deduction date is August 20, and the interest for the first month is calculated as 48 days. The same is true for monthly repayment in the future. This is the repayment method of equal principal and interest. If the repayment of equal principal is different every month.

The mortgage is released at 2 1 this month and repaid at 2 1 every month. Why is the first repayment more than 500 yuan?

The monthly loan date is 2 1 and the repayment date is 2 1, but the first repayment date is 500 yuan. This 500 yuan should be the handling fee for your mortgage. You can have a look at your loan contract.

Housing loan.

Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. The process of buying a house by loan is: preparation before house inspection-field house inspection-lottery, house selection-subscription, down payment-online signing, contract signing, down payment-loan-house inspection-tax payment-house book. These processes will be described in detail below.

The specific process of buying a house with a loan

(1) Before preparing to look at the house, you must first determine the type of real estate you want to buy, and then allocate funds reasonably according to the type of house you want to buy.

(2) See the house on the spot to understand the specific situation of the whole building. If you buy an existing house, you can intuitively see the structure and apartment type of the house, and you can also ask the property consultant about the surrounding facilities and planning and construction. If it is an auction house, you can only look at the floor plan to understand the structure of the house. As the surrounding facilities are still under planning, property buyers can check the surrounding planning documents.

(3) house number arrangement and house selection. For some centrally opened properties, developers will require buyers to number the houses, and then choose houses according to certain rules when the real opening day comes. When choosing a house, buyers can make a backup plan in advance, mainly from the following six aspects, including location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

(4) Subscription and deposit Before choosing the house to be subscribed, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, sign the subscription book and hand it over to the staff of the developer. At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

⑤ After the online signing, signing and down payment are submitted to the house purchasing qualification review, the review results will be issued within 10 working days. If approved, the developer will inform the buyers to sign the purchase contract. (Xianfang: Xianfang sales contract; When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear. Pay the down payment. Generally, there will be a pos machine in the sales office. The UnionPay receipt paid by credit card should be kept away, waiting for the developer to issue the down payment invoice. Usually you can get it on the same day.

⑥ Loan If a bank staff is stationed in the sales office, the buyer can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

⑦ Buyers need to wait for the developer's notice to close the house, and pay attention to the closing time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.

After paying taxes and collecting the house, you need to go to the local taxation bureau to pay taxes. Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.

Pet-name ruby for housing loans to buy a house, property buyers just need to hand over the preparation materials to the developer. Under normal circumstances, the housing will be released within 180 days (existing house) -270 days (forward house) from the date of occupancy.

Matters needing attention in buying a house by loan

1 Personal credit record A good personal credit record is very important. If there is a six-month overdue record for three consecutive months, then basically the bank will not give you a loan.

2 proof of income the proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks.

(3) Keep the shopping invoice. Invoices for housing loans include down payment invoices and loan invoices. If you buy an existing house, you need to pay taxes with these two invoices when you pay taxes; If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice to recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because there is no way to make up the invoice.

4 Provident fund loans It should be noted that provident fund loans need to be paid in full for 12 months continuously, and they are still being paid before applying for loans. Compared with commercial loans, provident fund loans take a relatively long time.

How to calculate the first month repayment of mortgage? Why is the first month mortgage repayment more than the contract?

Nowadays, many young people choose to borrow money to buy a house, and then they have to repay it in time every month. For mortgage repayment, many friends will struggle with a problem, that is, why the monthly repayment amount will be different, sometimes more, sometimes less, then how to calculate the first month of mortgage repayment? Why is the first month mortgage repayment more than the contract?

Nowadays, many young people choose to borrow money to buy a house, and then they have to repay it in time every month. For mortgage repayment, many friends will struggle with a problem, that is, why the monthly repayment amount will be different, sometimes more, sometimes less, then how to calculate the first month of mortgage repayment? Why is the first month mortgage repayment more than the contract? Let's get to know each other.

How to calculate the first month repayment of mortgage?

The first deduction of the loan needs to be full-term. If it is less than one month, the corresponding repayment date of the current month will not be deducted, and it will be postponed to the corresponding repayment date of next month for one-time deduction. (The first deduction is the total repayment amount from the loan date to the repayment date of next month, so it will be more than the subsequent monthly payment). For example, the lending date is 65438+ 10 month10:1; If the monthly payment deduction date is 15, the first deduction date is February15; 2. If the monthly payment deduction date is 5th of each month, the first deduction date is 5th of March.

Why is the first month mortgage repayment more than the contract?

1. After the loan is issued, the main borrower will generally receive a message indicating that the loan has been issued. The SMS will indicate the tail number of the loan account (not the tail number of the entrusted debit card), the amount and time of the first repayment. The detailed repayment plan will be returned to the borrower together with the loan contract.

2. Because it may also involve third parties such as developers, provident fund centers and intermediaries, the time for borrowers to get the loan contract and repayment schedule returned by banks usually ranges from 2 weeks to 5 weeks.

3. The rights and obligations between the borrower and the lender shall be subject to the Individual Housing Loan Contract signed by the borrower and Suzhou Branch of China Construction Bank when handling the loan. If the description in this article is inconsistent with the aforementioned legal documents, the loan contract shall prevail.

For the amount of mortgage repayment in the first month, everyone should pay attention to the calculation method and calculate it according to their own loan amount. The above is about how to calculate the first month mortgage repayment amount and why the first month mortgage repayment amount is more than the contract. As a borrower, you must pay attention to timely repayment every month to ensure your good credit record.

Why is the first repayment amount of bank mortgage so much less than when buying a house?

Because the total number of days of repayment in the first month is less than one month. The first month is from the date of bank lending to the date of your first deduction.

How to calculate the monthly repayment amount of mortgage?

Method 1: Calculate by formula. At present, there are two common repayment methods of bank loans: equal principal and interest repayment and equal principal repayment. The monthly repayment formula is:

Matching principal and interest repayment: monthly repayment amount = [loan principal x monthly interest rate (1+ monthly interest rate) repayment months ]/[( 1+ monthly interest rate) repayment months]

Matching principal repayment: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) x monthly interest rate.

Method 2: Use the loan calculator to calculate.

In fact, the loan calculator is the easiest way to calculate the monthly payment. Now all banks and loan websites have related loan calculators. The borrower can easily calculate the monthly repayment amount and interest as long as he chooses the repayment method according to the page prompts and inputs the loan amount, loan term and loan interest rate.